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Compare Embrace to Petplan

Below we've prepared a list of important comparison points between Embrace and Petplan. Both companies have top-rated customer service on PetInsuranceReview.com, but we wanted to share some other information that may impact your out of pocket costs when you go to make a claim.

Petplan

Wellness & Routine Care Coverage

Annual Deductible

Reimbursement Method

deductible
then co-pay

co-pay then
deductible

No Extra Fees

$2.50/pet every month

Yelp Score
*includes filtered reviews

4 stars*

3 stars*

Wellness & Routine Care

Petplan does not offer a Wellness Plan. Embrace's Wellness Rewards is a stand-alone routine care product to help you pay for regular visits to your vet. If your vet charges $100 for a puppy wellness visit, that's how much Embrace will reimburse. Choose a company that promotes, rewards and encourages healthy pets.

Annual Deductible

With Petplan, you pay a new deductible each time you visit the vet for a new condition. With Embrace, you only need to meet your deductible once per year, regardless of how many claims you make. If your pet has an unlucky year you could be saving a few hundred dollars with an Embrace policy.

Reimbursement Method

Petplan calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the co-pay. Embrace's method gets you more money back. If you have a $700 incident and a $200 deductible, Pet Plan's method will cost you $40 more out of pocket.

Extra Fees

Don't be nickel and dimed with fees. Petplan charges a $3.00 fee per pet per month when you use your credit card to pay and a $1.50 fee per pet per month when you use your bank account to pay. These fees can add up, especially if you have multiple pets. Petplan also takes a 10% fee when cancelling policies beyond the first month. Embrace prides itself on having no annual fees and no monthly payment fees. Why pay additional fees each month, even if you're not using the insurance?

Yelp Reviews

Embrace continually strives to deliver a first-rate customer experience. This starts with your first interaction on the web, phone, or email, and continues through to your experience as a policy holder. We encourage you to be thorough in your review of our customer satisfaction scores and our competitors. We recommend taking into consideration the filtered reviews on Yelp as these often contain detailed opinions which highlight important areas for comparison among companies. When it comes to insurance it's best to put your trust in the hands of a company you can count on when filing claims.

This comparison of Petplan's insurance plans and coverage was wholly prepared by Embrace Pet Insurance Agency and last updated in August 2013. If you have questions about Petplan plans, prices, or coverage we encourage you to contact a representative of Petplan.